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Allstate Condo Insurance Coverage

Protecting You, Ground Floor To Penthouse.

When you own a townhouse or condo, your condo association plays an integral role in determining what kinds of insurance coverage you need. Some complexes' master policies only cover the exterior building and common areas, while others take care of things like your flooring, cabinetry or light fixtures.

In either case, you're responsible for keeping yourself and your personal belongings safe. The What's Your Stuff Worth? tool can help you understand the value of your belongings, so you can make more informed choices about your condo insurance coverage. An agent can answer your questions about common condo coverage types, like:

  • Personal property coverage
    Covers the possessions inside your condo or townhome, like furniture, electronics and clothes, if they're damaged due to a fire, smoke, vandalism or other covered peril.
  • Liability coverage
    If someone sues you after being injured on your property, this helps cover your legal costs.
  • Guest medical coverage
    Covers x-rays, ambulance rides and other reasonable and necessary medical expenses if someone injures him- or herself while on your property.
  • Reimbursed living expenses
    Reimburses you for additional living costs if a covered loss makes your condo or townhouse uninhabitable. It typically takes care of food, a temporary place to live and more.
  • Building property protection
    Covers belongings that aren't typically considered personal property, like cabinetry and appliances. These items are occasionally already covered on your condo association's master policy.
  • Loss assessment coverage
    If something happens to your condo's shared building or common areas that exceeds the condo association's insurance limits, all unit owners may be required to pay an assessment toward repairs. This add-on covers your share of the loss assessment.
  • Identity restoration coverage
    It can be hard to recover financially if you become a victim of full-blown identity theft. Adding this coverage to your condo policy arms you with a fraud specialist to help.

Add Policies That Take Your Protection Up A Level.

For some situations, the coverage you need isn't offered through condo insurance. You may want to consider these additional policies based on your lifestyle and how comfortable you are with risk. Your agent can explain the details of these policies and more:

  • Flood Insurance
    Floods are the #1 natural disaster in the U.S.* If you're on a lower floor and there's a flood, this helps protect your unit and possessions.
  • Personal umbrella insurance
    Owning a dog, going hunting and other aspects of your lifestyle may expose you to more risk. PUP provides extra liability coverage, so if you're sued for millions, you can protect your condo and other assets.

Find an agent for help understanding townhouse and condo insurance coverage.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.

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